2025-11-11T11:42:17-06:00 2024-12-31 410746749 CLIFTONLARSONALLEN LLP 1785 INDIAN WOOD CIRCLE MAUMEE OH 43537 990 2024-01-01 231671903 CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY CONS 2155635665 1635 MARKET ST 5TH FL PHILADELPHIA PA 19103 MICHAEL SHINKONIS CHIEF FINANCIAL OFFICER 2155635665 2025-11-10 1 1 DOUGLAS S SOSKO P01009253 4197942000 2025-11-10 2024 2025-03-06 01:10:19Z CLARIFI LOIS ANN MURPHY 1635 MARKET ST 5TH FL PHILADELPHIA PA 19103 9399232 0 X WWW.CLARIFI.ORG X 1966 PA WE EMPOWER INDIVIDUALS TO ACHIEVE FINANCIAL RESILIENCE AND POSITIVELY IMPACT THEIR COMMUNITIES. 19 19 51 28 0 0 6026325 5866620 0 0 144289 241086 20371 0 6190985 6107706 0 0 0 0 3396765 3943225 0 0 233128 1644815 1899900 5041580 5843125 1149405 264581 8821060 9399327 3378191 3486161 5442869 5913166 X WE EMPOWER INDIVIDUALS TO ACHIEVE FINANCIAL RESILIENCE AND POSITIVELY IMPACT THEIR COMMUNITIES. OUR ENVISIONED FUTURE IS ONE IN WHICH PATHWAYS TO FINANCIAL WELLNESS ARE ACCESSIBLE TO EVERYONE. 0 0 2353974 0 0 FINANCIAL EMPOWERMENT (PUBLIC SUPPORT): CLARIFI'S FINANCIAL EMPOWERMENT PROGRAM UTILIZES A RELATIONSHIP-BASED, CASE MANAGEMENT APPROACH TO COUNSELING INDIVIDUALS TOWARDS FINANCIAL RESILIENCE. COUNSELORS BUILD LONG-TERM RELATIONSHIPS WITH CLIENTS BASED ON EMPATHY AND TRUST, HELPING THEM SET THEIR OWN FINANCIAL GOALS SUCH AS REDUCED DEBT, IMPROVED CREDIT, AND INCREASED SAVINGS AND CREATE A STEP-BY-STEP ACTION PLAN FOR ACHIEVING THEM. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY FINANCIAL GOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHER APPOINTMENTS. SERVICES ARE OFTEN PROVIDED IN COMMUNITY-BASED LOCATIONS IN PARTNERSHIP WITH ORGANIZATIONS LIKE CAREERLINK AND CHILDREN'S HOSPITAL OF PHILADELPHIA. THERE ARE NO ELIGIBILITY REQUIREMENTS AND NO LIMITATIONS ON THE VOLUME OF SERVICE PER CLIENT. CLIENTS OFTEN RETURN FOR MULTIPLE FOLLOW-UP APPOINTMENTS. THIS METHODOLOGY INCREASES THE CHANCE THAT EACH CLIENT MAKES POSITIVE BEHAVIORAL CHANGES AND MAINTAINS FINANCIALLY HEALTHY BEHAVIORS OVER TIME, BOTH OF WHICH YIELD STRONG, MEASURABLE LONG-TERM OUTCOMES. IN 2024, CLARIFI PROVIDED 3,742 FINANCIAL EMPOWERMENT COUNSELING SESSIONS TO 2,255 UNIQUE CLIENTS. OF THOSE CLIENTS, 261 REDUCED USE OF SHORT-TERM CREDIT, 604 ESTABLISHED EMERGENCY SAVINGS, 71 ESTABLISHED A CREDIT PROFILE, 276 INCREASED THEIR CREDIT SCORE BY 35+ POINTS, AND 850 ACHIEVED AND MAINTAINED CAPACITY TO MEET BASIC NEEDS FOR 90 DAYS. 1176987 0 0 HOUSING (PUBLIC SUPPORT): CLARIFI'S HOUSING COUNSELING PROGRAM HELPS FAMILIES FIND, SECURE, AND MAINTAIN SAFE HOUSING. THESE SERVICES SPANTHE ENTIRETY OF THE HOUSING SPECTRUM, INCLUDING FORECLOSURE AND EVICTION PREVENTION, TENANCY PREPARATION, AND PRE-PURCHASECOUNSELING. CLARIFI'S HUD-CERTIFIED HOUSING COUNSELORS UTILIZE A CASE-MANAGEMENT MODEL TO HELP THEIR CLIENTS ACHIEVE THEIR HOUSINGGOALS. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY HOUSINGGOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHERAPPOINTMENTS. RENTAL COUNSELING SERVICES INCLUDE EVICTION PREVENTION THROUGH LANDLORD/TENANT MEDIATION, LEASING EDUCATION,LANDLORD ADVOCACY (BASED IN SAFE, WARM, DRY STANDARDS), AND LEASING PREPARATION (SAVING FOR DEPOSITS, CREDIT COUNSELING, ETC.)FORECLOSURE PREVENTION SERVICES INCLUDE MORTGAGE DELINQUENCY NEGOTIATION, FORECLOSURE CONCILIATION, EMERGENCY ASSISTANCEAPPLICATIONS, AND COURT-BASED ADVOCACY IN PHILADELPHIA, MONTGOMERY AND DELAWARE COUNTIES, NEW JERSEY, AND DELAWARE. PRE-PURCHASESERVICES INCLUDE PURCHASE PLANNING AND EDUCATION, PURCHASE GUIDANCE, AND HOMEBUYER GRANT APPLICATION ASSISTANCE. IN 2024, CLARIFIPROVIDED 1,168 HOUSING COUNSELING SESSIONS TO 1,051 UNIQUE CLIENTS. OF OUR HOUSING CLIENTS, 31 PURCHASED A HOME, 84 PREVENTED ANEVICTION, AND 156 REPORTED AVOIDING FORECLOSURE OR WERE IN THEIR HOMES WORKING TOWARD A SOLUTION AS OF 12/31/24. 941589 0 0 HOME REPAIR (PUBLIC SUPPORT): CLARIFI'S HOME REPAIR PROGRAM HELPS PHILADELPHIA HOMEOWNERS ACCESS LOW-INTEREST HOME EQUITY LOANS TO INVEST IN THEIR PROPERTIES THROUGH THE RESTORE, REPAIR, RENEW HOME PRESERVATION PROGRAM. AS THE PROGRAM'S ADMINISTRATOR, CLARIFI CONNECTS PHILADELPHIA HOMEOWNERS TO THESE LOANS SO THEY CAN FUND HOME REPAIRS FOCUSING ON HEALTH, SAFETY, WEATHERIZATION, ACCESSIBILITY AND MODERNIZATION. LENDERS PARTICIPATING IN THE PROGRAM OFFER A 10-YEAR, FIXED-RATE, 3% INTEREST HOME EQUITY TERM LOAN RANGING FROM $2,500 TO $50,000 FOR ELIGIBLE HOMEOWNERS. ADDITIONALLY, CLARIFI'S COUNSELORS MAINTAIN A LARGE REFERRAL NETWORK AND OFTEN CONNECT THEIR CLIENTS TO ADDITIONAL RESOURCES, SUCH AS LEGAL HELP FOR TANGLED TITLE ISSUES, RELIEF FUNDS FOR TAX, UTILITY OR MORTGAGE DELINQUENCY, AND FOOD AND CLOTHING ASSISTANCE. IN 2024, CLARIFI HELPED 182 HOMEOWNERS SECURE $6.92 MILLION IN HOME EQUITY LOANS TO MAKE ESSENTIAL REPAIRS TO THEIR PRIMARY RESIDENCE. 235397 0 0 CLIENT GRANTS (PUBLIC SUPPORT): CLARIFI'S CLIENT GRANTS PROGRAM EMPOWERS FAMILIES TO ACHIEVE A RANGE OF POSITIVE OUTCOMES THAT FINANCIAL EMPOWERMENT AND HOUSING COUNSELING ALONE CANNOT, INCLUDING RESOLVING A CRISIS AND SECURING A FOUNDATION FOR BUILDING WEALTH. CLARIFI SUPPORTS THE ADVANCEMENT OF FINANCIAL JUSTICE BY DIRECTING RESOURCES TOWARDS THE COMMUNITIES WE SERVE, HELPING THEM OVERCOME AN ACUTE CRISIS, SUPPORT ECONOMIC MOBILITY, AND BUILD SUSTAINABLE WEALTH, OFTEN IN THE FORM OF HOME OWNERSHIP. IN 2024, CLARIFI DISTRIBUTED CLIENT GRANTS TO 682 INDIVIDUALS TOTALING $1,371,656.78. 235397 0 0 4707947 1 1 0 0 0 0 0 0 1 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 17 0 1 51 1 0 0 0 0 0 0 0 0 0 0 0 0 X 19 19 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 0 0 PA NJ X MICHAEL SHINKONIS CFO 2485535400 36500 CORPORATE DRIVE FARMINGTON HILLS MI 48331 JILL HERRIOTT CHAIR 2.00 0.00 X X 0 0 0 ANDREW SOVEN VICE-CHAIR 2.00 0.00 X X 0 0 0 WAYNE ANGLACE DIRECTOR 1.00 0.00 X 0 0 0 GEORGE BENHAM III DIRECTOR 1.00 0.00 X 0 0 0 PETER BILINSKY DIRECTOR 1.00 0.00 X 0 0 0 DANA BROWN DIRECTOR 1.00 0.00 X 0 0 0 AMY CARDER DIRECTOR 1.00 0.00 X 0 0 0 JIM HARRINGTON DIRECTOR 1.00 0.00 X 0 0 0 JEFF HENNESSY DIRECTOR 1.00 0.00 X 0 0 0 OCTAVIA HOWELL DIRECTOR 1.00 0.00 X 0 0 0 ALAN KAPLAN DIRECTOR 1.00 0.00 X 0 0 0 ALEXANDRA SAMUELS DIRECTOR 1.00 0.00 X 0 0 0 DREW SCHNEIDER DIRECTOR 1.00 0.00 X 0 0 0 ANTHONY SHORE DIRECTOR (SERVED UNTIL 06/2024) 1.00 0.00 X 0 0 0 LAURA STANSBURY DIRECTOR 1.00 0.00 X 0 0 0 CATHERINE ULOZAS DIRECTOR 1.00 0.00 X 0 0 0 ANEKA WILLIAMS DIRECTOR 1.00 0.00 X 0 0 0 KATHLEEN WILLIAMSON DIRECTOR 1.00 0.00 X 0 0 0 WALT WOJCIECHOWSKI DIRECTOR 1.00 0.00 X 0 0 0 DANA YAMATE DIRECTOR 1.00 0.00 X 0 0 0 RICHARD T HOLLIS CFO (SERVED UNTIL 09/2024) 3.00 37.00 X 0 265413 11485 MICHAEL SHINKONIS CFO (BEGAN SERVICE 08/2024) 5.00 35.00 X 0 187083 37796 STEPHEN GARDNER EXECUTIVE DIRECTOR 40.00 0.00 X 198548 0 9711 SCOTT KAROL DEPUTY DIRECTOR 40.00 0.00 X 152512 0 8004 JILL ROBERTS VP OF ADVOCACY 40.00 0.00 X 114365 0 13052 465425 452496 80048 3 0 1 0 0 275438 135000 3524931 1931251 5866620 187635 187635 3344977 3291526 53451 53451 53451 6107706 0 0 241086 208260 208260 3135013 2432375 519622 183016 116985 103588 6867 6530 244958 223537 7498 13923 238009 198488 24165 15356 2850 2850 16254 16254 6994 6994 83651 28493 55158 48102 44193 3162 747 330248 320646 8644 958 114021 101534 8162 4325 239679 239679 36539 16069 16546 3924 35580 20760 14541 279 23150 23150 18744 18744 GRANT EXPENSES 871444 871444 TELEPHONE 58048 54578 1800 1670 EQUIPMENT: MAINTENANCE 9542 9542 DUES & SUBSCRIPTIONS 5054 1127 1527 2400 5843125 4707947 902050 233128 1561843 446435 1923731 1293593 1772636 16182 13245 247524 224657 35270 22867 4371746 3079462 1542426 2140951 8821060 9399327 337981 416029 1428907 875191 646750 1404603 964553 790338 3378191 3486161 X 5302035 5695982 140834 217184 5442869 5913166 8821060 9399327 X 264581 191962 13754 X 0 1 X 1 1 1 X 4645978 4707961 5487842 6026325 5866620 26734726 4645978 4707961 5487842 6026325 5866620 26734726 0 0 0 26734726 77844 83753 37159 126031 187635 512422 77844 83753 37159 126031 187635 512422 662 4688 3 20371 25724 4724484 4796402 5525004 6172727 6054255 27272872 0.98030 0.98390 0.01880 0.01460 X SCHEDULE A, PART III, LINE 12, EXPLANATION OF OTHER INCOME: MISCELLANEOUS INCOME - 2020 AMOUNT: $ 662. 2021 AMOUNT: $ 4,688. 2022 AMOUNT: $ 3. 2023 AMOUNT: $ 20,371. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 210236 187369 22867 37288 37288 0 22867 SECURITY DEPOSITS 30191 OPERATING RIGHT OF USE ASSET 706157 CONTRACTED SERVICES RESTRICTED FUND 1404603 2140951 OPERATING LEASE LIABILITY 790338 790338 X PART IV, LINE 2B: CLARIFI HAS SEVERAL PROGRAMS IN WHICH THEY EARN PROGRAM ADMINISTRATIVE REVENUE FOR PROCESSING MICROGRANT PAYMENTS OR BILL PAYER PAYMENTS THROUGH THEIR DEBT MANAGEMENT SOFTWARE. FUNDS RECEIVED FOR FUTURE PAYMENTS ARE RESTRICTED FOR THESE CONTRACTED SERVICES. PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE IRC. THE ORGANIZATION DETERMINED IT WAS NOT REQUIRED TO RECORD A LIABILITY RELATED TO UNCERTAIN TAX POSITIONS. X X X X X 1 0 0 0 0 0 0 0 0 RICHARD T HOLLIS CFO (SERVED UNTIL 09/2024) 0 161111 0 47790 0 56512 0 11485 0 0 0 276898 0 0 MICHAEL SHINKONIS CFO (BEGAN SERVICE 08/2024) 0 172745 0 14011 0 327 0 9804 0 27992 0 224879 0 0 STEPHEN GARDNER EXECUTIVE DIRECTOR 180945 0 13277 0 4326 0 9711 0 0 0 208259 0 0 0 SCOTT KAROL DEPUTY DIRECTOR 137062 0 13867 0 1583 0 8004 0 0 0 160516 0 0 0 PART I, LINE 4A RICHARD T. HOLLIS, FORMER CHIEF FINANCIAL OFFICER, RECEIVED A SEVERANCE PAYMENT OF $36,308 FOLLOWING HIS RETIREMENT FROM THE ORGANIZATION IN SEPTEMBER 2024. THE PAYMENT WAS MADE BY GREENPATH, INC., A RELATED ORGANIZATION AND THE SOLE MEMBER OF THE FILING ORGANIZATION. FORM 990, PART VI, SECTION A, LINE 6 THE SOLE MEMBER OF CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (CCCS OF DE VALLEY) IS GREENPATH, INC. FORM 990, PART VI, SECTION A, LINE 7A CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (CCCS OF DE VALLEY) IS A SOLE MEMBER STRUCTURE, WHERE THE SOLE MEMBER OF CCCS OF DE VALLEY IS INVOLVED IN SIGNIFICANT GOVERNANCE AND FINANCIAL DECISIONS INCLUDING THE FINAL AUTHORITY OVER THE COMPOSION OF THE BOARD OF DIRECTORS OF CCCS OF DE VALLEY. FORM 990, PART VI, SECTION A, LINE 7B CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (CCCS OF DE VALLEY) IS A SOLE MEMBER STRUCTURE, WHERE THE SOLE MEMBER OF CCCS OF DE VALLEY IS INVOLVED IN SIGNIFICANT GOVERNANCE AND FINANCIAL DECISIONS INCLUDING THE FINAL AUTHORITY OVER THE COMPOSION OF THE BOARD OF DIRECTORS OF CCCS OF DE VALLEY. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED WITH THE ASSISTANCE OF AN INDEPENDENT ACCOUNTING FIRM. PRIOR TO ITS FILING, THE FINANCE AND AUDIT COMMITTEE REVIEWS THE DOCUMENT IN ITS ENTIRETY IN CONJUNCTION WITH ORGANIZATION MANAGEMENT. PRIOR TO FILING THE FORM 990 THE FINANCE COMMITTEE ADVISES THE BOARD OF ITS APPROVAL, DISTRIBUTES THE FORM 990 TO ALL BOARD MEMBERS AND SOLICITS COMMENTS OR REQUESTS FOR ADDITIONAL INFORMATION. FORM 990, PART VI, SECTION B, LINE 12C EMPLOYEES AND BOARD MEMBERS ARE SUBJECT TO A CONFLICT OF INTEREST POLICY. A BOARD MEMBER WHO, INDIVIDUALLY OR AS PART OF A BUSINESS OR PROFESSIONAL FIRM, IS INVOLVED IN ANY BUSINESS TRANSACTIONS OR SIMILAR RELATIONSHIPS WITH THE AGENCY SHALL DISCLOSE THIS RELATIONSHIP TO THE BOARD AND SHALL NOT PARTICIPATE IN ANY VOTE TAKEN IN RESPECT TO SUCH TRANSACTIONS OR SERVICES. THE BOARD OF DIRECTORS WILL MAKE THE DETERMINATION AS TO WHETHER A POTENTIAL CONFLICT IS AN ACTUAL CONFLICT ON INTEREST. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD RELIES ON AN INDEPENDENT, THIRD PARTY COMPENSATION CONSULTANT TO COLLECT COMPARABILITY DATA, ASSESS MARKET TRENDS AND MAKE RECOMMENDATIONS ON THE TOP MANAGEMENT OFFICIAL'S COMPENSATION PACKAGE. THE SAMPLE OF COMPARABLE ORGANIZATIONS IS COMPOSED OF ORGANIZATIONS FROM WHICH CLARIFI MIGHT RECRUIT A FUTURE TOP MANAGEMENT OFFICIAL OR WHICH MIGHT HAVE AN INTEREST IN TRYING TO RECRUIT CLARIFI'S TOP MANAGEMENT OFFICIAL AND WHICH ADDITIONALLY ARE LOCATED IN LABOR MARKETS WHERE CLARIFI HAS A SIGNIFICANT PRESENCE. SPECIFIC DEGREE OF COMPARABILITY IS BASED ON A) GROSS RECEIPTS AND B) TOTAL ASSETS. THE DELIBERATION AND FINAL DECISION ARE TIMELY DOCUMENTED IN THE MEETING MINUTES. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC. THE ORGANIZATION DOES MAKE ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9: DISCOUNT ON TREASURY NOTE 13,754. GREENPATH INC 36500 CORPORATE DRIVE FARMINGTON HILLS MI 48331 386142925 COUNSELING MI 501(C)(3) LINE 10 N/A 1 HOMEOWNERSHIP PRESERVATION FOUNDATION 36500 CORPORATE DRIVE FARMINGTON HILLS MI 48331 522403507 HOUSING MN 501(C)(3) LINE 10 GREENPATH INC 0 RURAL DYNAMICS INC 2 5TH ST N SUITE 201 GREAT FALLS MT 59401 810303443 DEBT RESTRUCTURING, FINANCIAL EDUCATION, TAX RETURN PREPARATION MT 501(C)(3) LINE 7 GREENPATH INC 0 GREENPATH INNOVATION DESIGN 36500 CORPORATE DRIVE FARMINGTON HILLS MI 48331 923340798 PRODUCT DEVELOPMENT FOR UNDERSERVED POPULATIONS AND NONPROFIT MI 501(C)(3) LINE 10 GREENPATH INC 0 CCCS OF PUERTO RICO INC 1607 PONCE DE LEON AVE CORBIANS PLA SANTURCE PR 00909 660471799 FINANCIAL CONSULTING SERVICES PR 501(C)(3) LINE 10 GREENPATH INC 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 1 1 0 0 0